Trying to find cheaper insurance rates for your Porsche 944? I can’t think of anyone who cherishes buying insurance, especially when the price is too high.
Because there are so many options, it can be hard to find the lowest price company.
Consumers should take time to compare rates once or twice a year because prices change quite often. Despite the fact that you may have had the best rates on 944 insurance a year ago you will most likely find a better rate today. So forget anything you know (or think you know) about insurance because we’re going to show you the fastest way to reduce your cost while increasing coverage.
Insuring your vehicles can cost a lot, but discounts can save money and there are some available to help offset the cost. Certain discounts will be applied at quote time, but some must be manually applied before you will receive the discount.
It’s important to note that some of the credits will not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So even though they make it sound like all the discounts add up to a free policy, you won’t be that lucky. Any amount of discount will reduce the amount you have to pay.
To see a list of providers with discount insurance coverage rates, follow this link.
When buying adequate coverage, there really is not a cookie cutter policy. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight whether your personal situation could use an agent’s help.
If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier
Knowing the specifics of your insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverages offered by insurance companies.
Uninsured or underinsured coverage – This coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your 1991 Porsche 944.
Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Normally these coverages do not exceed the liability coverage limits.
Comprehensive protection – This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage pays for claims such as falling objects, hitting a deer and damage from flooding. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Liability insurance – This will cover injuries or damage you cause to other people or property that is your fault. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.
Liability can pay for claims such as legal defense fees, emergency aid, funeral expenses, repair costs for stationary objects and court costs. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.
Medical expense coverage – Coverage for medical payments and/or PIP pay for short-term medical expenses such as chiropractic care, X-ray expenses and rehabilitation expenses. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage
Collision coverage – This coverage covers damage to your 944 resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.
Collision coverage pays for things such as driving through your garage door, colliding with a tree, hitting a parking meter, scraping a guard rail and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.
We’ve covered some good ideas how you can save on 1991 Porsche 944 insurance. The most important thing to understand is the more you quote, the better your chances of lowering your rates. Consumers could even find that the best prices are with a company that doesn’t do a lot of advertising. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as State Farm, GEICO and Nationwide.
Discount insurance can be sourced on the web in addition to many insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance companies do not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.